Side-by-side · Q2 2026 data
Central Bank & Trust Co. vs Guardian Savings Bank
Metric by metric
| Measure | Central Bank & Trust Co. | Guardian Savings Bank |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 74 (stronger) | 64 |
| Loan quality | 93 | 93 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 42 | 72 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 80th | 94th |
| Total assets | $4.0B | $1.4B |
| Deposits / shares | $3.1B | $1.2B |
| Capital ratio | 12.42% (stronger) | 11.39% |
| Problem loans | 0.21% | 0.20% (stronger) |
| Net charge-offs | -0.04% (stronger) | -0.00% |
| Return on assets | 1.27% | 2.00% (stronger) |
| Loans ÷ deposits | 95.7% | 88.1% (stronger) |
| Uninsured deposits | 35.1% | 13.7% (stronger) |
| Offices | 29 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Central Bank & Trust Co. leads on 2 and Guardian Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.